Q2 (QTWO) Stock Price, News & Analysis

Company Overview

Q2 Holdings, Inc. (NYSE: QTWO) provides cloud-based digital banking solutions designed to help banks and credit unions deliver modern financial experiences. Through its software-as-a-service platform, Q2 offers integrated digital account opening, online and mobile banking, payments, and workflow tools that enable financial institutions to streamline operations and engage customers across retail, small business and commercial segments.

The company’s product suite encompasses digital channels for account origination and servicing, personalized marketing and customer insights, secure authentication and fraud prevention, as well as API-driven open banking capabilities. Q2’s partners can deploy prebuilt integrations with leading fintech providers to extend functionality such as real-time payments, lending, wealth management and other value-added services.

Founded in 2004 and headquartered in Austin, Texas, Q2 serves more than 700 financial institutions across the United States and Canada, supporting community banks and credit unions ranging from regional players to larger multi-state organizations. The company has grown through a combination of internal development and strategic acquisitions, continually expanding its footprint in digital banking innovation.

Q2 is led by President and CEO Greg O’Connell and a seasoned executive team with decades of experience in banking technology, software development and financial services. The company’s governance and operational focus aim to deliver secure, scalable solutions that address evolving regulatory requirements and customer expectations in the digital age.

Key Stats

• Today's Range: $90.31 to $91.99
• 50-Day Range: $79.47 to $95.31
• 52-Week Range: $61.51 to $112.82
• Volume: 54,310 shs
• Average Volume: 644,976 shs
• Market Capitalization: $5.64 billion
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $100.41
• Consensus Rating: Moderate Buy

Q2 Stock Analysis - MarketRank™

Q2 scored higher than 38% of companies evaluated by MarketBeat, and ranked 470th out of 657 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Q2 has received a consensus rating of Moderate Buy. The company's average rating score is 2.56, and is based on 10 buy ratings, 8 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Q2 has been the subject of 8 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 70.15%

Earnings Growth

Earnings for Q2 are expected to grow by 70.15% in the coming year, from $0.67 to $1.14 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Q2 is -264.56, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Q2 is -264.56, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Q2 has a P/B Ratio of 10.80. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.17% of the float of Q2 has been sold short.

Short Interest Ratio / Days to Cover

Q2 has a short interest ratio ("days to cover") of 5.2.

Change versus previous month

Short interest in Q2 has recently increased by 1.90%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Q2 does not currently pay a dividend.

Dividend Growth

Q2 does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

5.17% of the float of Q2 has been sold short.

Short Interest Ratio / Days to Cover

Q2 has a short interest ratio ("days to cover") of 5.2.

Change versus previous month

Short interest in Q2 has recently increased by 1.90%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

Q2 has a news sentiment score of 0.88. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.66 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Q2 this week, compared to 32 articles on an average week.

Search Interest

2 people have searched for QTWO on MarketBeat in the last 30 days.

MarketBeat Follows

5 people have added Q2 to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Q2 insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $357,153.00 in company stock.

Percentage Held by Insiders

Only 0.31% of the stock of Q2 is held by insiders.

QTWO Stock Analysis - Frequently Asked Questions

How have QTWO shares performed this year?

Q2's stock was trading at $100.65 on January 1st, 2025. Since then, QTWO stock has decreased by 8.0% and is now trading at $92.5950.

How were Q2's earnings last quarter?

Q2 Holdings, Inc. (NYSE:QTWO) posted its quarterly earnings results on Wednesday, February, 12th. The technology company reported $0.18 earnings per share for the quarter, missing the consensus estimate of $0.48 by $0.30. Q2 had a negative net margin of 2.77% and a positive trailing twelve-month return on equity of 4.08%.
Read the conference call transcript.

Does Q2 have any subsidiaries?

Q2 subsidiaries include Sensibill Inc, ClickSWITCH Holdings Inc., PrecisionLender, Gro Solutions, Cloud Lending, Unbill, Social Money, and more.

Who are Q2's major shareholders?

Top institutional investors of Q2 include Perpetual Ltd (1.02%) and Wealth Enhancement Advisory Services LLC. Insiders that own company stock include Matthew P Flake, R H Seale, Jeffrey T Diehl, Kirk L Coleman, Jonathan Price, Michael A Volanoski, John E Breeden, David J Mehok, Kimberly Anne Rutledge, Kimberly Rutledge, Michael S Kerr and James Offerdahl.
View institutional ownership trends.

How do I buy shares of Q2?

Shares of QTWO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Q2 own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Q2 investors own include NVIDIA (NVDA), Meta Platforms (META), Invesco QQQ (QQQ), Advanced Micro Devices (AMD), Broadcom (AVGO), Netflix (NFLX) and Adobe (ADBE).

Company Calendar

• Last Earnings: 2/12/2025
• Today: 7/10/2025
• Next Earnings (Estimated): 7/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Computer and Technology
• Industry: INTERNET SOFTWARE
• Sub-Industry: Computer Software
• Current Symbol: NYSE:QTWO
• CIK: 1410384
• Web: www.q2ebanking.com
• Phone: (833) 444-3469
• Fax: N/A
• Employees: 2,477
• Year Founded: 2004

Price Target and Rating

• Average Price Target for Q2: $100.41
• High Price Target: $126.00
• Low Price Target: $60.00
• Potential Upside/Downside: +8.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.56
• Research Coverage: 18 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.35)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 138.27
• P/E Growth: N/A
• Net Income: -$38.54 million
• Net Margins: -2.77%
• Pretax Margin: -1.85%
• Return on Equity: 4.08%
• Return on Assets: 1.61%

Debt

• Debt-to-Equity Ratio: 0.55
• Current Ratio: 1.43
• Quick Ratio: 1.43

Sales & Book Value

• Annual Sales: $696.46 million
• Price / Sales: 8.29
• Cash Flow: $1.72 per share
• Price / Cash Flow: 53.81
• Book Value: $8.57 per share
• Price / Book: 10.81

Miscellaneous

• Outstanding Shares: 62,300,000
• Free Float: 62,111,000
• Market Cap: $5.77 billion
• Optionable: Optionable
• Beta: 1.48